• START planning for retirement now - your money will grow when you put aside a certain sum regularly, thanks to the power of compounding returns.
• Adjust this amount when changes, such as a salary increase, occur.
• To diversify investments, consider adding Asian bonds to your portfolio. There are many varieties to choose from. Most give fairly good yields and have relatively low volatility.
• Rebalance, or review, your investments regularly so that you can take advantage of market timing. A 1 per cent increase in investment returns could give you extra spending money that can last more than 10 years.
• Choose a quality fund manager with a good track record. Ideally, his experience and investing style should match yours.

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